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For FinTech founders & lending startups

PA, PPI, NBFC or a lending partner which route does your fintech actually need?

One advisory desk takes your model from “what licence do we need?” to live and compliant — RBI licensing, a co-lending / DLG partnership, digital-lending compliance, and a Virtual CFO to run the numbers.
Licensing · NBFC, PA/PG, Prepaid Wallet
Lending partner · Co-lending & DLG
Compliance · DPDP, DLG, ALM
Virtual CFO for fintech
Map my route free call

52+

NBFCs registered

20+

FinTech set-ups

15+

Years RBI expertise

4

Metro offices

  • Book Free Consultation
Trusted by fintechs, NBFCs & lenders:
Broker Network
AEREM
Wint Wealth
Zavron Finserv
SSK Finance
Krednote
IITL Group
Nimbus

Four things a fintech needs to lend or move money under one desk

Most fintechs stitch these together across three vendors and lose months. We run them as one workflow, so licensing, partnerships, compliance and finance stay aligned to RBI’s rules.

FinTech Licensing

For teams that carry the credit or payment risk

We map your model to the right RBI authorisation and run the application end-to-end — company setup to certificate.
  • NBFC registration for lending (own balance sheet)
  • Payment Aggregator / Gateway (PA/PG) authorisation
  • Prepaid Wallet / PPI & Payment Bank licence
  • Fintech-NBFC set-up, shell or fresh entity

Lending Partner & Co-lending

For fintechs that want to lend without a fresh licence

Launch faster by partnering with a registered NBFC. We source the right partner and structure the deal to survive RBI scrutiny.
  • Find & vet an NBFC lending / co-lending partner
  • Co-lending & DLG (Default Loss Guarantee / FLDG) structuring
  • DPA, sourcing & outsourcing agreements
  • Or buy a ready RBI-registered NBFC (~50–65 days)

FinTech Compliance

For live products that can’t afford a penalty

The RBI rulebook for digital lending keeps moving. We keep your product inside it — and audit-ready.
  • Digital Lending Guidelines & DLG compliance
  • DPDP Act 2026 data-protection readiness
  • ALM, regulatory reporting & RBI returns
  • Outsourcing, KYC & grievance-redressal norms

Virtual CFO for FinTech

For founders who need CFO judgement, not headcount

Board-ready books, treasury oversight and investor MIS from a team that already speaks RBI.
  • Management accounting, MIS & board reporting
  • Treasury, capital adequacy & portfolio oversight
  • Investor / due-diligence readiness
  • Payroll, tax & back-office as a service

Build your own licence, partner with an NBFC, or buy one?

Each path has a different cost, timeline and risk profile. Picking wrong burns months and lakhs. Here’s the honest trade-off — we’ll tell you which one fits, even when it isn’t the biggest engagement.
Build

Get your own NBFC licence

Full control, your own balance sheet, strongest long-term moat — but the slowest and most capital-heavy route.
Timeline: ~4–8 months · Capital: ₹10 Cr NOF · Best for: lending-first businesses at scale
Partner

Co-lend with an NBFC

Go live fast with someone else’s licence via co-lending / DLG. Lightest capital — but the deal structure has to be watertight.
Timeline: Week · Capital: Low · Best for: testing a lending product or staying asset-light
Buy

Acquire a ready NBFC

Inherit a live RBI registration and skip the queue. Faster than building, more control than partnering.
Timeline: ~50–65 days · Capital: deal + NOF · Best for: funded teams wanting a licence now
Not sure which is right? That’s exactly what the free consult is for — we map your model, capital and timeline to one route.
Get my recommendation

From model to market in four steps

1

Free discovery call

We understand your product, capital and timeline, then flag the RBI questions your model triggers.
2

Route & roadmap

You get a clear recommendation — licence, partner or buy — with cost, timeline and a documents checklist.
3

Execution

We run it end-to-end: registration, partnership structuring, agreements and RBI filings.
4

Stay compliant

Ongoing compliance, reporting and Virtual CFO support so you stay inside the rulebook as it changes.

From model to market in four steps

Each path has a different cost, timeline and risk profile. Picking wrong burns months and lakhs. Here’s the honest trade-off — we’ll tell you which one fits, even when it isn’t the biggest engagement.

Founder-led & senior

Led by Varun Sharma, 15+ years across NBFC licensing, RBI compliance and financial law.

End-to-end, not a hand-off

Licence → partnership → compliance → CFO, one accountable team the whole way.

A real NBFC network

We can introduce a vetted lending partner or a ready NBFC — not just file paperwork.

Current on the rulebook

DLG, PA-CB, DPDP, reclassification — we track every RBI move so your product stays compliant.

52+

NBFCs registered with RBI

20+

FinTech set-ups delivered

100+

NBFCs & fintechs guided

15+

Virtual CFO engagements

VS

Varun Sharma

Founder & CEO · Finance & regulatory, 15+ yrs

Recent regulatory moves that hit fintechs

Payments

What the RBI’s PA-CB circular means for cross-border payment aggregators

Cross-border collections just got a new rulebook. Here’s who needs authorisation and by when.
Regulatory update
Lending

Embedded finance is here — will your fintech lead or follow?

Embedded credit is reshaping distribution. What it means for licence and partner choices.
Strategy note
Data

DPDP Act 2026: what lenders must fix before May 2027

KYC scans, bank statements, video-KYC — the data-protection checklist for fintech lenders.
Compliance checklist

Recent regulatory moves that hit fintechs

Professional, supportive and always on time. Their expertise helped us hit our goals faster and with far less back-and-forth.
RH

Rick Henders

FinTech founder

They built us a risk-management framework that genuinely made the difference. Deep industry knowledge, practical on every financial challenge.
CA

Chintan Amlani

Lending business

They’ve run our books as Virtual CFO for months. Capable, professional, and we cut costs significantly after moving to them.
IM

Isabelle Morais

Finance company

Schedule 30-minute call with our expert

Book a Meeting

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FinTech licensing & compliance, answered

Frequently Asked Questions
Do I need my own NBFC, or can I use a lending partner?
It depends on who carries the credit risk. If you’re lending off your own balance sheet at scale, you likely need an NBFC licence. If you want to go live fast or stay asset-light, a co-lending / DLG partnership with an existing NBFC is usually faster and lighter on capital. On the free call we map your model to the right one.
DLG (Default Loss Guarantee, earlier called FLDG) is an arrangement where a fintech partner guarantees a capped share of the lender’s losses. RBI permits it within defined limits and disclosure norms. The structure has to be documented correctly — that’s exactly the kind of agreement we draft and vet.
If you handle merchant collections and settlements, that’s a Payment Aggregator permission. Issuing wallets, prepaid or gift instruments falls under PPI. If you underwrite or book loans, you’re in NBFC territory. Many fintechs need a combination — we map the full stack so you don’t apply for the wrong one.
A fresh NBFC licence typically runs ~4–8 months; a takeover of a ready NBFC can go live in ~50–65 days; a lending partnership can be weeks. Professional fees depend on the route and scope — you’ll get a clear, itemised quote on the call, with no surprise add-ons.
Yes. NBFC lending and payment aggregation allow 100% FDI under the automatic route, subject to RBI norms. We handle Indian entity setup, FEMA / FDI reporting (FC-GPR, FLA) and the licence or partnership route for overseas parents.
That’s most of what we do. Ongoing fintech compliance (DLG, DPDP, ALM, RBI returns) and Virtual CFO (MIS, treasury, board reporting) run as monthly engagements, so you stay compliant and investor-ready without hiring a full finance team.

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